This document summarizes a medical expense insurance policy. It provides enhanced benefits on top of basic MediShield coverage operated by the Central Provident Fund Board. The policy is a contract between the insurance company and the insured based on application information. It will indemnify medical or other covered expenses incurred during the policy year subject to the annual deductible, coinsurance, limits and exclusions defined in the policy documents and schedules.

1. MyShield
Here is Your new Medical Expense Insurance Policy. Please examine it together with the Policy Schedule
to make sure that You have the protection You need.
It is important that the Policy, the Policy Schedule and any endorsements are read together to avoid
misunderstanding.
How Your Insurance Operates
This Policy is a contract between Us-The Company, and You-the Insured named in the Policy Schedule
based on the Application Form, declaration and any information given to The Company by or on behalf of
the Insured Persons.
This is a Medisave-Approved Integrated Policy which is an Enhancement Plan on top of the basic
MediShield plan (“MediShield”) operated by the Central Provident Fund Board (“CPF”). MediShield is
governed by the Central Provident Fund Act (Chapter 36) (“Act”) and Central Provident Fund (MediShield
Scheme) Regulations (“Regulations”). MediShield forms the basic tier of insurance whilst We offer the
enhanced benefits, as stated in the Policy, on top of MediShield.
An Insured Person under this Policy will also enjoy all benefits of MediShield as provided under the Act
and Regulations such as reimbursement of benefits based on the higher of benefits under the
Enhancement Plan or MediShield as well as any premium discount if he/ she satisfies the eligibility
criteria.
In consideration of You paying to Us the required premium, We agree to indemnify You in the manner and
to the extent described in the Policy and in the Policy Schedule in respect of medical or other covered
expenses incurred during the Policy Year, or any subsequent period for which You pay and We accept
the required premium.
Our Promise of Service
We wish to provide You with a high standard of one-stop service and to meet any claims covered by this
Policy honestly, fairly and promptly.
Free Look
If We are issuing this Policy to You for the first time, We will give You a "Free Look" period of two (2)
calendar months from the Policy Commencement Date or fourteen (14) days from the date of receipt of
this Policy, whichever is the later. If within this period, You inform Us in writing that You do not want the
Policy, We will cancel it from its start date and refund in full the premium You have paid after deducting
any expenses incurred in assessing the risk under the Policy, as long as no claim has been admitted
under the Policy. Please note that You are assumed to have received the Policy within seven (7) days
after We have sent it by post.
Special Note:
You do not need to use cash to pay for the premiums of this Medisave-Approved Integrated Policy.
It can be paid from the designated Medisave Account. In the event the annual premium exceeds
the maximum Medisave withdrawal amount allowed, You need to only pay in cash the shortfall of
premium in excess of the maximum Medisave withdrawal amount. Should there be insufficient
funds in the designated Medisave Account on the renewal of this Policy, You will need to make up
the outstanding balance in cash within two (2) months from the Renewal Date.
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2. CONTENTS
PAGE NUMBER
Definitions 3
General Conditions 7
Section I - Extent of Cover 12
Section II - Limits of Liability 12
Section III - Covered Benefits 13
Claims Conditions 17
General Exclusions 19
Benefits Schedule 22
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3. DEFINITIONS
Certain words have been defined below. These have the same meaning wherever they are used in the
Policy, unless otherwise stated. The singular includes the plural and the masculine includes the feminine
and neuter gender, and in each case vice versa, unless specifically indicated otherwise.
The Company, We, Our, Us
means Aviva Ltd.
You, Your, Insured
means the owner of the Policy who is named the Insured in the Policy Schedule.
Accident
means bodily Injury caused solely by violent, accidental, external and visible means and not by sickness,
disease or gradual physical or mental process.
Alternative Medicine Provider
Includes, but not limited to, a chiropractor, homeopath, osteopath, acupuncturist or Chinese Physician.
Annual Deductible
means the accumulative total amount of medical expenses paid or to be paid by an Insured Person during
any one Policy Year in excess of which We will indemnify or compensate the Insured Person for medical
expenses covered by the Policy. Any covered expenses incurred under SECTION III-COVERED
BENEFITS, 2 (OUTPATIENT CATASTROPHIC TREATMENTS) are not subject to the Annual Deductible.
Application Form
means the forms You signed to apply for this Policy from Us, including any written statement,
representation or document given to The Company which contains information We relied on in issuing this
Policy.
Benefits Schedule
means the schedule attached to this Policy which sets out the benefits and the amounts payable by Us for
each specific benefit under this Policy.
Co-Insurance
means the amount as specified in the Benefits Schedule to be borne by You. It is obtained by multiplying
the benefit payable in excess of the Annual Deductible with a fixed percentage as stated in the Benefits
Schedule.
Community Hospital
means the medical institutions in Singapore that provide intermediate Inpatient convalescent and
rehabilitative healthcare services to patients who do not require the care of Hospitals. This includes, but is
not limited to, Ang Mo Kio - Thye Hua Kwan Hospital, Bright Vision Hospital, Kwong Wai Shiu Hospital,
Ren Ci Community Hospital, St Andrew's Community Hospital, St Luke's Hospital and West Point
Hospital.
Critical Illness
means any of the following Critical Illnesses:
Heart Attack
Death of a portion of the heart muscle arising from inadequate blood supply to the relevant area.
This diagnosis must be supported by three or more of the following five criteria which are
consistent with a new heart attack:
(a) History of typical chest pain;
(b) New electrocardiogram (ECG) changes proving infarction;
(c) Diagnostic elevation of cardiac enzyme CK-MB;
(d) Diagnostic elevation of Troponin (T or I); or
(e) Left ventricular ejection fraction less than 50% measured 3 months or more after the event.
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4. End Stage Liver Failure
End stage liver failure as evidenced by all of the following:
(a) Permanent jaundice;
(b) Ascites; and
(c) Hepatic encephalopathy.
Liver disease secondary to alcohol or drug misuse is excluded.
End Stage Lung Disease
End stage lung disease, causing chronic respiratory failure. This diagnosis must be supported by
evidence of all of the following:
(a) FEV1 test results which are consistently less than 1 litre;
(b) Permanent supplementary oxygen therapy for hypoxemia;
(c) Arterial blood gas analyses with partial oxygen pressures of 55mmHg or less
(PaO2 55mmHg); and
(d) Dyspnea at rest.
The diagnosis must be confirmed by a respiratory Physician.
Major Cancer
A malignant tumour characterised by the uncontrolled growth and spread of malignant cells with
invasion and destruction of normal tissue. This diagnosis must be supported by histological
evidence of malignancy and confirmed by an oncologist or pathologist.
The following are excluded:
(a) Tumours showing the malignant changes of carcinoma-in-situ and tumours which are
histologically described as pre-malignant or non-invasive, including, but not limited to:
Carcinoma-in-Situ of the Breasts, Cervical Dysplasia CIN-1, CIN-2 and CIN-3;
(b) Hyperkeratoses, basal cell and squamous skin cancers, and melanomas of less than 1.5mm
Breslow thickness, or less than Clark Level 3, unless there is evidence of metastases;
(c) Prostate cancers histologically described as TNM Classification T1a or T1b or Prostate
cancers of another equivalent or lesser classification, T1N0M0 Papillary micro-carcinoma of
the Thyroid less than 1 cm in diameter, Papillary micro-carcinoma of the Bladder, and
Chronic Lymphocytic Leukaemia less than RAI Stage 3; and
(d) All tumours in the presence of HIV infection.
Stroke
A cerebrovascular incident including infarction of brain tissue, cerebral and subarachnoid
haemorrhage, cerebral embolism and cerebral thrombosis. This diagnosis must be supported by all
of the following conditions:
(a) Evidence of permanent neurological damage confirmed by a neurologist at least 6 weeks
after the event; and
(b) Findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable
imaging techniques consistent with the diagnosis of a new stroke.
The following are excluded:
(i) Transient Ischaemic Attacks;
(ii) Brain damage due to an Accident or Injury, infection, vasculitis, and inflammatory disease;
(iii) Vascular disease affecting the eye or optic nerve; and
(iv) Ischaemic disorders of the vestibular system.
Dependant
means the Insured’s legal spouse, parents, grandparents who are 75 years old or below at age next
birthday at the Policy Commencement Date and/or biological or legally adopted children who are at least
fifteen (15) days old.
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5. Effective Date
means the date expressly stated by Us as the date on which the Insured Person’s coverage under this
Policy shall commence.
Full Medical Underwriting Option
means the underwriting option chosen by You where You elect to complete a medical history declaration
giving details of the Insured Person’s medical history which existed before the date of application for this
Policy, including any Pre-Existing Conditions.
Hospital
means an institution which is legally licensed as a medical or surgical hospital in Singapore or the country
in which it is located. It must be under the constant supervision of a Physician. This does not include any
entity which is primarily a place for alcoholics or drug addicts, a nursing, rest or convalescent home or a
home for the aged or any other similar establishment.
Illness
means a physical condition marked by pathological deviation from the normal healthy state.
Injury
means bodily injury caused solely and directly by an Accident.
Inpatient
means a person admitted to a Hospital for treatment for at least 6 consecutive hours and for which the
Hospital makes a daily room and board charge. It also includes admission of any duration for the purpose
of surgery and any preparation and procedure in connection with the surgery without incurring any room
and board charge.
Insured Person
means the Insured and/or covered Dependant(s) whose name is included in the Application Form for this
Policy and in respect of whom commencement of cover has been confirmed in writing by Us.
Medical Complaint
means a medical condition that requires immediate medical attention by a Physician within 24 hours of an
occurrence of an Accident or Illness.
Medically Necessary
means those services and supplies provided by a Physician to identify or treat an Injury or Illness which
has been diagnosed or is reasonably suspected to be, and are:
(a) consistent with the diagnosis and treatment of the Insured Person’s condition;
(b) according to standards of good medical practice;
(c) required for reasons other than for the convenience of the Insured Person or Physician; and
(d) the most appropriate supply or level of service which can be safely provided to the Insured Person.
Any Goods and Services Tax (GST) paid in Singapore on a Medically Necessary service or supply is
covered under this Policy.
Moratorium
means a waiting period of five (5) years from the Policy Commencement Date, or the date of Upgrade, or
the date of the last reinstatement for an Insured Person, whichever is later, after which a particular
Pre-Existing Condition will be covered subject to the terms and conditions of the Policy.
Moratorium Underwriting Option
means the underwriting option chosen by You where no medical declaration is required.
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6. Period of Insurance
means each term of cover under this Policy, which is for twelve (12) months and starts on the Policy
Commencement Date or the Renewal Date, whichever is applicable.
Physician
means a person who is legally qualified in medical practice following attendance at a recognised medical
school, to provide medical treatment and licensed by the competent medical authorities of the country in
which treatment is provided but who should not be the Insured Person or the relative, sibling, spouse,
child, parent of the Insured Person.
Policy Commencement Date
means the date which the cover under the Policy commences for the Insured Person and as provided in
the General Conditions, Clause 22.
Policy Schedule
means the schedule to this Policy which sets out key terms like the name of the Insured, the Insured
Persons and the respective plan selected.
Policy Year
means a period of twelve (12) months starting from the Policy Commencement Date and each
consecutive 12-month period for which this Policy is renewed.
Pre-Existing Condition
means any Injury, Illness, condition or symptom that existed prior to the Effective Date, the date of
Upgrade or the date of the last reinstatement, whichever is later,:
(a) for which treatment, medication, advice, or diagnosis has been sought or received or was
foreseeable by You or the Insured Person;
(b) for which an ordinary and prudent person with such Injury, Illness, condition or symptom would
have sought advice or treatment in connection with his/her health; or
(c) which You or the Insured Person knew existed, whether or not treatment, medication, advice, or
diagnosis was sought or received.
Private Hospital
means Parkway East Hospital, Gleneagles Hospital, Mount Alvernia Hospital, Mount Elizabeth Hospital,
Raffles Hospital and Thomson Medical Centre.
Pro-ration Factor
means the percentage as expressed in the Benefits Schedule which is used in the event that the Insured
Person is admitted to a ward/hospital higher than what the Insured Person is entitled to under this Policy
or in a private Hospital in Singapore not listed under the ‘Private Hospital’ definition above. The
percentage is applied on the actual charges incurred and covered under the Policy, including charges in
respect of Pre-Hospital and Post-Hospital Treatment received in connection with hospitalisation, or the
Reasonable and Customary Charges for equivalent medical treatment in any Singapore private Hospital
or at the Singapore General Hospital, depending on the Plan covered, whichever is lower. The benefit
payable is therefore reduced to take into account the difference in government subsidies applicable to the
ward type of Your selected plan.
If the Insured Person is admitted to a ward/hospital that is the same or lower than what the Insured
Person is entitled to under the Policy but their Pre-Hospital Specialist’s Consultation and Accident and
Emergency (A&E) Treatment, Pre-Hospital Diagnostic and Laboratory Services or Post-Hospital
Follow-up Treatment is in a hospital or clinic higher than what the Insured Person is entitled to, We will
apply the Pro-ration Factor to the Pre-Hospital Specialist’s Consultation and Accident and Emergency
(A&E) Treatment, Pre-Hospital Diagnostic and Laboratory Services or Post-Hospital Follow-up Treatment
as specified in the Benefits Schedule.
If, during hospitalisation, there is a change of ward, We will base on the ward immediately before the
discharge to determine whether the Pro-ration Factor should be applied to the hospital bills.
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7. The Pro-ration Factor is not applicable to expenses incurred at:
a) a Singapore Restructured Hospital for Outpatient Catastrophic Treatment, day surgery,
Pre-Hospital Specialist’s Consultation and Accident and Emergency (A&E) Treatment,
Pre-Hospital Diagnostic and Laboratory Services and Post-Hospital Follow-up Treatment; or
b) a subsidised dialysis or cancer centre in Singapore for Outpatient Catastrophic Treatments.
Reasonable and Customary Charges
means charges for medical care which We or Our medical advisers consider to be reasonable and
customary if they are within the general level of charges being made by other care providers of similar
standing in Singapore where the charges are incurred when giving like or comparable treatment, services
or supplies to individuals of the same gender and of comparable age for a similar disease or Injury.
Renewal Date
means the date on which the Policy is renewed for a further Period of Insurance.
Singapore Restructured Hospital
means the corporatised Singapore Government Hospitals and medical centres which include, but are not
limited to, Singapore General Hospital, Changi General Hospital, KK Women’s & Children’s Hospital,
Khoo Teck Puat Hospital, Alexandra Hospital, Tan Tock Seng Hospital, National University Hospital,
National Heart Centre, National Cancer Centre, Singapore National Eye Centre, National Skin Centre,
Institute of Mental Health, National Neuroscience Institute, National Dental Centre, The Cancer Institute,
The Eye Institute, The Heart Institute, Care Management Centre, Jurong Medical Centre and Singapore
Footcare Centre.
Specialist
means a qualified and licensed Physician, possessing the necessary additional qualifications and
expertise to practise as a recognised specialist of diagnostic techniques, treatment and prevention, in a
particular field of medicine like psychiatry, neurology, pediatrics, endocrinology, obstetrics, gynaecology
and dermatology.
Waiting Period
means the period of time applicable to specific benefits under the Policy as set out under the relevant
benefit provisions, starting from:
(i) the date which the benefit first becomes effective under the Policy;
(ii) the Policy Commencement Date of the Policy;
(iii) the date of last reinstatement; or
(iv) the date of Upgrade (applicable to any increased or additional benefit(s))
whichever is the latest, during which this Policy will not provide for those specific benefits regardless of
treatment made necessary by any cause.
Upgrade
means a change in plan under the Policy whereby the Insured Person’s plan is changed to a new plan
offering higher benefits, under the same Policy.
GENERAL CONDITIONS
It is an important part of Our contract that You observe the following General Conditions:
1. Eligibility
To be eligible as an Insured under this Policy, You must be:
(a) a Singapore Citizen or Singapore Permanent Resident;
(b) 75 years old or below at age next birthday as at the Policy Commencement Date; and
(c) a member of Central Provident Fund Board with a CPF Medisave Account from which You can
withdraw money to pay for Your premiums for this Policy.
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8. If You are confined in a Hospital on the date when Your cover would otherwise become effective, Your
cover will not become effective until the date following Your discharge from the Hospital.
Once You are covered under this Policy, Your Dependants are also eligible for cover. A newly born child
is eligible for cover fifteen (15) days after the date of birth or after discharge from the Hospital, whichever
is later.
2. Geographical Scope
The Insured Person shall seek treatment in Singapore. Any treatment provided to the Insured Person
outside Singapore is limited to benefits covered under SECTION III-COVERED BENEFITS, 3(d)
(Inpatient Medical Complaint outside Singapore).
3. Last Payer Status
If the Insured Person has other medical insurance, including medical benefits under any employment
contract, which makes provision for reimbursement of medical expenses, We shall be the last payer
reimbursing the claim. If benefits payable under this Policy has been made to You first before a claim is
made under such other medical insurance policies or employee benefits, the other medical insurers or
employer will need to reimburse Us their share. You shall provide Us with the full details of such other
insurance policies or employee benefits and all relevant documentary proof necessary to make a claim.
For every claim, the total reimbursement to be made should not exceed the expenses actually incurred.
4. Co-operation
We will not be liable under this Policy unless You, the Insured Person or his/her representatives
(a) co-operate fully with Us and Our medical advisers;
(b) fully and faithfully disclose all material facts and matters which the Insured Person knows or ought
to know; and
(c) on Our request sign any document to empower the Company to obtain relevant information, at the
Insured Person’s expense, from any doctor or Hospital or other sources.
5. Renewal
Subject to General Conditions Clause 8, Your cover is guaranteed renewable for a further Period of
Insurance by payment of the renewal premium before the Renewal Date.
We will request for deduction of the premium from the designated CPF Medisave Account subject to the
withdrawal limit set by CPF. Any excess of premium over the withdrawal limit or any shortfall in premium
due to insufficient funds in the designated CPF Medisave Account must be paid before the Policy can be
renewed.
On the Renewal Date, We may vary the benefits, cover and/or premium or amend the clauses and
conditions of this insurance cover (provided that the changes apply to all policies under the same class of
insurance) by giving thirty (30) days’ advance notice in writing to You but We will not cancel any individual
policy.
6. Cancellation
You may cancel the Policy with effect from any Renewal Date by giving thirty (30) days’ notice in writing
of Your intention not to renew the Policy. The cover on all Insured Persons under the Enhancement Plan
will cease on the Renewal Date. However, cover for each Insured Person under the MediShield (if they
are covered) will continue to remain in force provided they still satisfy the eligibility criteria as specified in
the Act and Regulations.
Should You cancel the Policy during the Policy Year after the Free Look period, You will be entitled to a
pro-rated refund of the annual premium paid to Us for the unexpired period of coverage.
H12.01 8 01/03/2013

9. 7. Change of Plan
You may change the plan of an Insured Person, subject to Our approval in writing, by giving Us a written
notice at least thirty (30) days prior to the Renewal Date of this Policy. This is subject to satisfactory
evidence of insurability for each Insured Person at Your Expense for any upgrading of plan before the
change can be effected on the Renewal Date.
In the event of an Upgrade whereby the Insured Person fails to satisfy the Moratorium of the upgraded
plan, any claim arising from a Pre-Existing Condition after the Upgrade will be assessed under the terms
and conditions of the plan prior to the Upgrade. If such a claim is admissible after having satisfied the
Moratorium of the plan prior to the Upgrade, any benefit payout would be limited to the benefits under the
plan prior to the Upgrade.
Any Pre-Existing Condition which has been permanently excluded under the Policy as provided in
General Conditions clause 13(b) will remain permanently excluded under the upgraded plan.
8. Termination of Insurance
An Insured Person’s cover under this Policy will terminate automatically on the date any one of the
following events first occurs:
(a) upon death of an Insured Person;
(b) on the expiry of the 30-day notice following a request for Cancellation by the Insured;
(c) non-payment of required renewal premium after the Grace Period;
(d) refusal or failure by the Insured or Insured Person to refund Us any sum of money due and owing
to Us, and arising out of any prior payment by Us on behalf of the Insured Person for any
hospitalisation and/or medical expenses (if applicable); or
(e) upon commencement of another Medisave-approved Integrated Shield Plan issued by another
insurance company covering the Insured Person.
9. Grace Period
A grace period of two (2) months is allowed for payment of the required renewal premium. If the required
renewal premium is not paid on or before the last day of the grace period, the cover under the Policy will
be treated as terminated on the Renewal Date and may only be reinstated with Our consent.
10. Reinstatement
If the Policy terminates due to non-payment of premium, You may apply to reinstate this Policy within
thirty (30) days of the date of notice of Termination by providing Us with satisfactory evidence of
insurability for each Insured Person at Your expense, provided the Insured Person for whom
reinstatement is requested is not older than age 75 at next birthday on the date of reinstatement. All
outstanding premiums must be received by Us before the Policy can be reinstated.
Treatment provided to the Insured Person after the date of Termination and within thirty (30) days of the
date of notice of reinstatement will not be covered unless the treatment received as an Inpatient is for
Injuries caused by an Accident occurring after the date of notice of reinstatement.
11. Misstatement of Age
If the age of any Insured Person has been misstated in the Application Form, the premium shall be
adjusted based on the correct age of the Insured Person. Any excess premium shall be refunded and any
shortfall in premium made up. Our liability for excess premium shall be limited to the refund of the total
premium paid without interest.
12. Age
For the purpose of determining premiums payable, an Insured Person’s age shall be based on his age
next birthday.
H12.01 9 01/03/2013

10. 13. Pre-Existing Conditions
All Pre-Existing Conditions are excluded under this Policy unless
(a) if You have chosen the Full Medical Underwriting Option, the Pre-Existing Condition has been
declared by You and specifically accepted by Us, in writing, to be covered under this Policy;
Or
(b) if You have chosen the Moratorium Underwriting Option, and during the 5-year Moratorium in
which the Insured Person remains in continuous cover under this Policy, the Insured Person has
not, in relation to a Pre-Existing Condition:
(i) experienced symptoms;
(ii) sought advice or tests from a Physician, Specialist or Alternative Medicine Provider
(including checkups for that Pre-Existing Condition);
(iii) required treatment or medication; or
(iv) received treatment or medication
in which case, We will cover that Pre-Existing Condition under this Policy. However, if at any time,
during the 5-year Moratorium, the Insured Person undergoes any of the above, then that particular
Pre-Existing Condition shall be permanently excluded under this Policy.
If You have already been insured under this Policy but do not fall within (a) or (b) above and We had
previously excluded a Pre-Existing Condition, then the Moratorium Underwriting Option shall apply. The
5-year Moratorium will be deemed to have commenced from the Policy Commencement Date.
For the avoidance of doubt, the Moratorium will not apply to the following list of Pre-Existing Conditions
and these Pre-Existing Conditions shall be permanently excluded under the Policy if You have chosen the
Moratorium Underwriting Option:
• Heart Attack, heart bypass, angioplasty
• Chronic obstructive lung disease, chronic cor pulmonale, pulmonary hypertension
• Stroke
• Liver cirrhosis
• Paralysis
• Osteoporosis
• AIDS or HIV infection
• Thalassaemia Intermediate/ major
• Diabetes with complications such as protein in urine or eye problem
• Kidney failure
• Organ transplantation
• Systemic lupus erythematosus (SLE)
• Muscular dystrophy
• Multiple sclerosis
• Alzheimer’s disease
• Dementia
• Any form of Cancer (other than skin cancer)
• Autism
14. Payment of Premiums
The premiums for this Policy are payable annually. They will be deducted in full from the designated
Medisave Account.
In the event the annual premium exceeds the maximum Medisave withdrawal amount allowed for a
Medisave-Approved medical insurance scheme, or the balance in the designated Medisave Account is
insufficient to pay the full annual premium, the shortfall in premium shall be paid in cash.
H12.01 10 01/03/2013

11. 15. Payment of Benefits
For any claim of benefits after the Policy Commencement Date but before We receive the full payment of
premium, We reserve the right to pay the covered expenses only on receipt of all the premiums due to
Us.
No benefit shall be payable if the confinement due to Illness or disability occurs after the Termination or
Cancellation of this Policy. This is regardless of whether or not the confinement is a direct result of Illness
occurring before the Termination or Cancellation of this Policy.
16. Full Disclosure
You are required to disclose fully and truthfully all material facts and circumstances to The Company up
to the date full cover is provided in respect of any Insured Person.
Any non-disclosure or misrepresentation shall entitle the Company to declare this Policy void and avoid
all liabilities existing under this Policy in respect of that Insured Person right from the Policy
Commencement Date or date of reinstatement.
If You were covered previously with MediShield or a Medisave-Approved Plan offered by another insurer,
only Your cover under MediShield will be reinstated. This Policy will be void right effective from the Policy
Commencement Date or date of reinstatement.
We will refund You all premiums paid to Us provided You have not made any claim under this Policy.
If there is a claim made under this Policy before it is void, the premiums to be refunded shall be
calculated from the first Policy Year immediately following the Policy Year in which the last claim was
made under this Policy.
17. Fraud
If any claim shall in any respect be false or fraudulent or if fraudulent means or devices are used by the
Insured Person or any Dependant or anyone acting on their behalf to obtain any benefit under this Policy,
the Policy will be cancelled immediately and all benefits and premiums will be forfeited.
18. Trust
We will not recognise or be affected by any notice of trust, charge or assignment relating to this Policy.
19. Applicable Law
The terms and conditions of this Policy will be governed by and construed, determined and enforced
according to the laws of Singapore.
20. Currency
Payment of all claims and benefits will be made in Singapore currency. Charges incurred in any other
currency outside Singapore shall be payable in Singapore Dollars on the basis of the exchange rate used
by Us on the date the claims were processed.
21. Exclusion of the Contracts (Rights of Third Parties) Act
The Contracts (Rights of Third Parties) Act 2001 and any subsequent amendments or replacements of
that Act shall not apply to this Policy. A person who is not a party to this Policy shall have no right under
the Act to enforce any of its terms.
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12. 22. Policy Commencement Date
The Policy Commencement Date is the date cover under this Policy commences for the Insured
Person(s) PROVIDED We receive the full premium within fifteen (15) days of the Policy Commencement
Date. Otherwise, We may change the Policy Commencement Date to a later date pending receipt of the
full premium. If this happens, an endorsement will be issued to confirm the new Policy Commencement
Date. We will not be liable for any claim arising before the new Policy Commencement Date.
SECTION I - EXTENT OF COVER
The Policy will pay up to the Limits as stated in the Benefits Schedule for medical or other covered
expenses as a direct result of the Insured Person suffering an Accident, Illness, death or any other
covered event.
We will pay any benefits due under this Policy either to You, the Insured Person or to the providers of
covered medical or other services which payment of that benefit will discharge Us from the liability We
have under the Policy.
A satisfactory proof of claim must be submitted in all cases. We reserve the right to appoint independent
administrators to settle claims on Our behalf.
SECTION II - LIMITS OF LIABILITY
The Company’s liability is limited in amount to the Limits as stated in the Benefits Schedule for each item
or type of cover provided under this Policy. The Company shall only be liable to the Reasonable and
Customary Charges incurred by an Insured Person for all the benefits provided.
If an Insured Person under Plan 1 is hospitalized in a private Hospital other than those defined under
‘Private Hospital’ above, or if an Insured Person under Plan 2 or 3 is hospitalised in a ward higher than
what he is entitled to, the benefit payable will be reduced by first applying the applicable Pro-ration Factor
as specified in the Benefits Schedule to the original final bills.
If the Insured Person stays in a room that is more expensive than the standard room covered under the
covered plan, We will pay the minimum of the Reasonable and Customary charges or the prorated
amount of the total bill, whichever is lower. The prorated amount of the total bill is calculated by using the
following formula:
Standard room charge
Incurred room charge X total bill
For Plan 1, the standard room charge shall be based on the standard single-bedded (A1) ward in Mount
Elizabeth Hospital.
For Plan 2, the standard room charge shall be based on the standard A1 ward in Singapore General
Hospital.
For Plan 3, the standard room charge shall be based on the standard B1 ward in Singapore General
Hospital.
As long as the Insured Person is admitted to the ward/hospital (or below) of the plan chosen, no
Pro-ration Factor will be imposed on the hospital bills.
We will further deduct the following amounts as specified in the Benefits Schedule from the benefits
payable:
H12.01 12 01/03/2013

13. (a) the Annual Deductible which shall be borne by You; and
(b) the Co-Insurance up to the maximum amount stated in the Benefits Schedule (if the aggregate
medical expenses covered under this Policy exceeds the Annual Deductible) which shall be borne
by You; and
(c) any sums due or owing to Us under this Policy.
The final computed benefits payout shall not exceed the Policy Year Limit as stated in the Benefits
Schedule based on the Plan selected for each Insured Person. As the Insured Person is also covered
under MediShield, he shall enjoy reimbursement of benefits based on the higher of benefits under this
Enhancement Plan or MediShield.
The Policy Year Limit per Insured Person stated in the Benefits Schedule is the maximum amount
recoverable under the Policy as a whole in respect of any one Insured Person during any one Policy
Year.
If the Insured Person has reached the Lifetime Limit of MediShield, an endorsement will be passed to
reflect the termination of MediShield cover. We will continue to cover You under the plan You have
chosen.
In the event the Insured Person reaches the age limit of MediShield, the cover under MediShield will be
terminated. We will provide him cover under the Enhancement Plan beyond this age limit. An
endorsement will be passed to reflect the termination of MediShield cover.
SECTION III - COVERED BENEFITS
The following benefits are available. Not all of them may apply in respect of Your Policy. For the
avoidance of doubt, the Company will not be paying the benefits under Section III – Covered Benefits
1(h), 1(i) and 1(j) together with a similar or same claim made under the following benefits :-
(i) 1(f) – Accident Inpatient Dental Treatment;
(ii) 1(l) – Inpatient Congenital Anomalies;
(iii) 1(m) – Inpatient Pregnancy Complications;
(iv) 1(n) – Living Donor Organ Transplant;
(v) 3(b) – In-Hospital Psychiatric Treatment; and
(vi) 3(d) – Inpatient Medical Complaint outside Singapore.
Please refer to the Policy Schedule to determine the plan that applies to the Insured Person concerned
and the Benefits Schedule for details of the cover provided.
1. HOSPITAL AND RELATED SERVICES
The following charges which are Medically Necessary for the treatment of an Insured Person for
Illness or Injury, at a Hospital as an Inpatient:
(a) Daily Room and Board
Charges for standard room accommodation, meals and general nursing services. Standard
room shall mean the class of hospital ward which is categorised as standard (including the
High Dependency Ward) by the Hospital in which the Insured Person is confined as an
Inpatient. If the Insured Person stays in luxury suites or other special rooms that are more
expensive than the standard room covered under the covered plan, we will apply the
Pro-ration Factor on the Room and Board and the medical related services.
For Plan 2, the daily room and board entitled is any standard ward of any Singapore
Restructured Hospital subject to the limits specified in the Benefits Schedule.
H12.01 13 01/03/2013

14. For Plan 3, the daily room and board entitled is a 4-bed standard ward of any Singapore
Restructured Hospital subject to the limits specified in the Benefits Schedule.
(b) Intensive Care Unit
Charges incurred during confinement in the Intensive Care Unit of the Hospital. This shall
not include charges incurred in the High Dependency Ward.
(c) Hospital Miscellaneous Services
Services or materials supplied by the Hospital to the Insured Person during a Hospital
confinement and provided they are Medically Necessary and rendered or supplied at
Reasonable and Customary Charges. These include operating theatre charges; anaesthetist
fees; oxygen and their administration; drugs, dressings or medicines prescribed by the
attending Physician for in-Hospital use; diagnostic procedures and laboratory tests; theatre
consumables or implants and other ancillary charges. The costs of non-Medically Necessary
goods or services including items such as telephone, television and newspapers are not
covered.
(d) Surgical Benefits
Fees for surgery by a surgeon, including the surgeon’s visits while in Hospital. Charges for
day surgery, Gamma Knife and Novalis radiosurgery are also payable.
(e) Surgical Benefits for Major Organ Transplant
Fees for Major Organ Transplant operations of the cornea, kidneys, heart, liver, lung or bone
marrow where the Insured Person is the recipient. This includes the costs of acquiring the
organ from a cadaveric (deceased) donor but not a living donor and only if the
transplantation is Medically Necessary and rendered at Reasonable and Customary
Charges. We will not pay for any costs if the transplantation is illegal or arises from any
illegal transaction or practice.
(f) Accident Inpatient Dental Treatment
Charges for Inpatient treatment required to restore or replace sound natural teeth lost or
damaged in an Accident and for which treatment was received within fourteen (14) days
following the Accident.
(g) Daily In-Hospital Doctor’s Visit
Fees charged by the attending Physician for daily bedside visits.
(h) Pre-Hospital Specialist’s Consultation and Accident and Emergency (A&E) Treatment
Any Medically Necessary charges incurred for :
(i) consultation with a Specialist, if recommended in writing by a Physician, within ninety
(90) days; or
(ii) treatment in Accident and Emergency department within twenty four (24) hours
prior to an Inpatient treatment for the same injury or illness will be covered.
(i) Pre-Hospital Diagnostic and Laboratory Services
Charges for Medically Necessary diagnostic procedures and laboratory examinations, which
are recommended in writing by a Physician, and incurred within ninety (90) days prior to an
Inpatient treatment for the same injury or illness covered by the Policy.
H12.01 14 01/03/2013

15. (j) Post-Hospital Follow-up Treatment
Charges for Medically Necessary follow-up treatment with the same attending Physician as
an outpatient, incurred within ninety (90) days immediately following discharge from a
Hospital as an Inpatient.
(k) Confinement in Community Hospital
Charges incurred at a Community Hospital for accommodation, meals and general nursing
services that are Medically Necessary, subject to the limits specified in the Benefits
Schedule. The benefit payable will be reduced by applying the Pro-ration Factor, if
applicable, as specified in the Benefits Schedule.
The following conditions must be met:
(i) A referral from the Insured Person’s attending physician from the Hospital where the
Insured Person had received Inpatient treatment is required; and
(ii) Admission to a Community Hospital must be immediately following discharge from the
Hospital where the Insured Person had received Inpatient treatment; and
(iii) Such admission to the Community Hospital arises from the same Injury or Illness that
resulted in the Insured Person's Inpatient treatment at the Hospital.
(l) Inpatient Congenital Anomalies
Charges for Medically Necessary Inpatient treatment of the Insured Person due to any
congenital anomalies, including hereditary conditions, provided such condition is first
diagnosed by a Physician, or the symptoms first appeared, after a Waiting Period of
twenty-four (24) months.
For any Inpatient Congenital Anomalies that are first diagnosed during the Waiting Period,
benefits payable at any point of time whilst this Policy is in-force shall be subject to the limits
specified in the Benefit Schedule. The fee charged by the surgeon for the surgical procedure
is not covered. The benefits under Inpatient Congenital Anomalies (after waiting period of 24
months) shall not be applicable to any treatment of congenital anomalies first diagnosed
during the Waiting Period.
(m) Inpatient Pregnancy Complications
Charges for Medically Necessary Inpatient treatment of an Insured Person for pregnancy
complications. For purposes of this benefit, the pregnancy complications must fall within one
of the following categories, namely:
(i) Ectopic pregnancy;
(ii) Pre-Eclampsia or Eclampsia;
(iii) Disseminated intravascular coagulation; or
(iv) Miscarriage after 13 weeks of pregnancy (not due to voluntary or malicious act)
and must first be diagnosed by a qualified obstetrician after a Waiting Period of ten (10)
months.
(n) Living Donor Organ Transplant
Charges for Major Organ Transplant operations of the kidneys or liver, subject to the limits
specified in the Benefits Schedule, excluding any post-surgery complications, where the
Insured Person is a living donor, provided the transplantation is carried out at a Hospital in
Singapore. The recipient of the kidney or liver must be the Insured Person’s family member,
where the recipient’s kidney or liver failure is first diagnosed by a Physician, or the
symptoms of which first appeared, after a Waiting Period of twenty-four (24) months.
We will not pay for any costs if the transplantation is illegal or arises from any illegal
transaction or practice.
H12.01 15 01/03/2013

16. For purposes of this benefit, the Insured Person’s family members are deemed to be his
parents, siblings, children and spouse.
2. OUTPATIENT CATASTROPHIC TREATMENTS
(a) Outpatient Kidney Dialysis
Charges for treatment of an Insured Person requiring machines or apparatus for providing
kidney dialysis at a legally registered dialysis centre. Cover includes examination and tests
ordered by the attending Physician and conducted on the same day of treatment. Charges
for consultation by the attending Physician are not covered.
It extends to cover Erythropoietin as part of the treatment for Chronic Renal Failure and
ambulatory peritoneal dialysis ordered by a Physician.
(b) Outpatient Cancer Treatment
Charges for Chemotherapy, Radiotherapy, Immunotherapy and/or Stereotactic Radiotherapy
treatment (or any other cancer treatment approved by Us) provided by a Hospital or at a
legally registered cancer treatment centre, including examinations and tests ordered by a
Physician and conducted on the same day of treatment. Charges for consultation by the
attending Physician are not covered.
(c) Major Organ Transplant - Approved immunosuppressant drugs
Charges for immunosuppressant drugs approved by Ministry of Health and which are
Medically Necessary as part of the outpatient treatment after a Major Organ Transplant to
reduce the rate of rejection episodes. Such Major Organ Transplant operation must first be
approved under the MyShield Policy. This benefit will cover drugs including, but not limited
to:
(i) Cyclosporin;
(ii) Tacrolimus;
(iii) Azathioprine;
(iv) Prednisolone; and/or
(v) Other approved immunosuppressant drugs for Major Organ Transplant.
3. SPECIAL BENEFITS
(a) Extra Inpatient Coverage for 5 Critical Illnesses
If an Insured Person is diagnosed with any of the 5 Critical Illnesses as defined, We will offer
Extra Inpatient Coverage in addition to the Insured Person’s Per Policy Year Limit with the
additional amounts as stated under the Benefits Schedule of the chosen Plan.
Any payment of Inpatient benefit relating to any of the Critical Illnesses will first be made
from this Extra Coverage Benefit. When the limits under this Extra Inpatient Coverage are
exhausted, the excess payment will then be made from the Per Policy Year Limit as stated in
the Benefits Schedule of the chosen Plan.
(b) In-Hospital Psychiatric Treatment
If this benefit is specifically stated as covered under the Benefits Schedule, We will pay for
the costs of psychiatric treatment which is received as an Inpatient in a Hospital after You
have been insured under this Policy for a continuous period of 10 months. All treatment
must be administered under the direct control of a registered psychiatrist. For the avoidance
of doubt, we will not pay this benefit if treatment is due to self-inflicted Injury, suicide, abuse
of alcohol, drug addiction or abuse.
For In-Hospital Psychiatric Treatment that occurs before a continuous period of 10 months,
any benefits payable shall be subject to the limits specified in the Benefit Schedule.
H12.01 16 01/03/2013

17. (c) Free Coverage for Child(ren)
Any eligible Insured Person (subject to a maximum of four (4) Insured Persons), up to 20
years old at age next birthday will be covered for free under Plan 2 provided that both
parents are covered under Plan 1 or 2 of this Policy.
For the avoidance of doubt, an Insured Person who is already insured under this benefit will
continue to be covered for free subject to the terms and conditions of this benefit.
(d) Inpatient Medical Complaint outside Singapore
Insured Persons shall be covered for any Inpatient treatment due to a Medical Complaint
outside Singapore.
This Policy will reimburse the cost of such covered treatment subject to the following
conditions:
(i) If You are covered under Plan 2 or 3, We will pay the actual incurred charges or the
Reasonable and Customary Charges for equivalent medical treatment in the
Singapore General Hospital according to the plan coverage, whichever is lower. The
benefit payable will be reduced by applying the Pro-ration Factor, if applicable, as
specified in the Benefits Schedule; and
(ii) If You are covered under Plan 1, We will pay the actual incurred charges or the
Reasonable and Customary Charges for equivalent medical treatment in any
Singapore private Hospital, whichever is lower.
Any Pre- and Post-hospitalisation treatment following such Inpatient Medical Complaint
outside Singapore will not be covered under the Policy, regardless of where the Pre- and
Post-hospitalisation treatment is received.
4. FINAL EXPENSES BENEFIT
In the event the Insured Person dies during hospitalisation or within 30 days of discharge of
hospitalisation, provided in both cases the death is a result of the cause of the hospitalisation, a
Final Expenses Benefit which is a waiver of the Annual Deductible and Co-Insurance amounts up
to the amount stipulated in the Benefits Schedule, will be given.
CLAIMS CONDITIONS
We will act in good faith in all Our dealings with You. In return, You must ensure that the following are
observed:
1. Making a Claim
Upon Your admission or surgery at any Hospital, medical clinic or institution accredited by MOH to
submit Integrated Shield Plan claims via the online claim system, You are required to complete a
common claim form for the Medisave-Approved Integrated Plan. The claim will be submitted to Us
on Your behalf by the Hospital, medical clinic or institution through the online claim system. It is
important that You complete all the questions in the form to the best of Your knowledge, give Your
consent to the Hospital, medical clinic or institution under Section 1 to verify Your insurance
membership information and release of medical information.
The Hospitals, medical clinics or institutions, CPF Board and all private insurers of the
Medisave-Approved Integrated Plan have agreed on the following order of preference for
signatories in the claim form:
H12.01 17 01/03/2013

18. (a) Insured Person who is admitted as an Inpatient;
(b) Insured Person or Insured (if different from Insured Person and the Insured Person is not
able to sign the form); and
(c) Next-of-kin (in the absence of Insured Person or Insured or under certain circumstances that
both Insured Person and Insured are not able to sign the claim form)
The next-of-kin of the Insured Person is not a party to this Policy and will not acquire any rights
under this Policy by being a signatory to the claim form but by virtue of the above arrangement, the
next-of-kin shall be given the authority to give consent and sign on the claim form. The order of
preference for signatories is to facilitate the process of making a claim on behalf of the Insured
Person under this Medisave-Approved Integrated Plan.
If You intend to make a claim under Inpatient Medical Complaint outside Singapore or the Insured
Person making a claim is not a Singapore Citizen or Singapore Permanent Resident, You must
complete our Claim Form and submit it to Us as soon as possible after an Insured Person seeks
covered treatment. In respect of Our Claim Form:
• the Insured Person or the Insured Person’s legal personal representative(s) must complete
all the questions in Section A and sign it;
• the treating Physician must complete all questions in Section B, affix his rubber stamp on the
Claim Form and sign it; and
• give Us all supporting medical information (including originals of all relevant documents and
bills) within three (3) months after the treatment begins or as soon as possible after such
information is reasonably available, whichever is earlier. We will not accept photocopies of
the relevant documents.
Failure to observe these conditions for making a claim, without any reasonable explanation, may
invalidate a claim.
2. Settlement of Claim
We will compute your claim in the following order on the benefits covered, where applicable:
(a) Eligible expenses according to the policy benefits
(b) Pro-ration Factor
(c) Limit of the benefits (applicable to Inpatient Congenital Anomalies excluding surgical benefits
(within waiting period of 24 months) and Inpatient Psychiatric Treatment (within 10 months of
continuous coverage) (per Policy Year))
(d) Annual Deductible
(e) Co-insurance
(f) Limit of the benefits (applicable to Living Donor Organ Transplant (per lifetime) (after waiting
period of 24 months))
(g) Policy Year limit
We shall make payment of the claim once We are satisfied that all requirements are fully complied
with. Payment advice will be despatched to the Insured or Insured Person as the case may be and
payment will be made to the Hospital, medical clinic or institution for claims processed
electronically, otherwise We will reimburse the Insured or the Insured Person as the case may be.
Any payment made under this clause shall wholly discharge Us from any further liability in respect
of the claim.
In the event that the amount paid by Us to a Hospital(s) pursuant to the Letter(s) of Guarantee
issued to the Hospital(s) is not payable under this Policy for any reason whatsoever, You shall fully
indemnify and reimburse Us for any such amount within 30 days from the date of notice given by
Us requesting for reimbursement.
H12.01 18 01/03/2013

19. 3. Examinations
The Company shall have the right and opportunity through its medical representatives to examine
the Insured Person whenever and as often as it may reasonably require during the duration of any
claim. In addition, The Company shall have the right to require a post-mortem examination, where
this is not forbidden by law.
4. Legal Proceedings
No action in law or equity shall be brought under the Policy until after the expiration of sixty (60)
days from the date a satisfactory proof of claim has been furnished to The Company according to
the terms and conditions of this Policy.
5. Arbitration
Any difference of medical opinion in connection with the results of any Accident, Illness, death or
expense will be settled between two medical experts appointed respectively in writing by the two
parties to the dispute. Any difference of opinion between the two medical experts shall be referred
to an umpire, who shall have been appointed in writing by the two medical experts at the outset.
GENERAL EXCLUSIONS
The following treatment items, conditions, activities and their related or consequential expenses are
excluded from the Policy and The Company will not be liable for them. If We say that because of an
Exclusion and/or any other term and condition of this Policy, any loss, damage, cost or expense is not
covered by this Policy, the burden is on You to prove otherwise.
1. All expenses incurred by an Insured Person for the period of hospitalisation if admission in a
hospital is before the Policy Commencement Date.
2. Pre-Existing Conditions (except as provided in General Conditions clause 13, Pre-Existing
Conditions).
3. Overseas medical treatment (except as specified in SECTION III-COVERED BENEFITS, 3(d)
(Inpatient Medical Complaint outside Singapore)).
4. Transport for trips made for the purpose of obtaining medical treatment such as ambulance fee,
emergency evacuation, assistance and repatriation of mortal remains.
5. Private Nursing charges and nursing home services.
6. Hospitalisation primarily for diagnosis, X-ray examinations, general physical or medical check-up;
routine medical examinations or check-ups; vaccinations, medical certificates, examinations for
employment or travel, routine eye or ear examinations, hearing aids, spectacles, contact lenses
and correction for refractive errors of the eye.
7. Elective cosmetic treatments and plastic surgery; any treatment to prevent illness, promote health
or improve bodily function or appearance; all dental treatment or oral surgery related to teeth other
than those Inpatient treatment due to Accident; rest cures and services or treatment in any home,
spa, hydro-clinic, sanatorium or long-term care facility that is not a Hospital as defined.
8. Tests or treatment relating to infertility, contraception, sterilisation, impotence, sexual dysfunction,
sex change operations; treatment or surgical procedures done at fertility clinics, in-vitro fertilization
clinics, reproductive assistance clinics or centres and reproductive medicine clinics or centres;
treatment resulting from pregnancy, childbirth, miscarriage, abortion and all related complications
(except as provided for and defined under SECTION III-COVERED BENEFITS, 1(m) (Inpatient
Pregnancy Complications)).
H12.01 19 01/03/2013

20. 9. Treatment for obesity, weight reduction or weight improvement; congenital anomalies, birth defects
or hereditary conditions (except as provided for and defined under SECTION III-COVERED
BENEFITS, 1(l) (Inpatient Congenital Anomalies)).
10. Prosthesis, corrective devices and medical appliances which are not surgically required; all
treatment that is not scientifically recognised by western European or North American standards,
such as alternative and complementary treatment.
11. All costs relating to cornea, muscular, skeletal or human organ or tissue transplant from a donor to
a recipient (except as provided for and defined under SECTION III-COVERED BENEFITS, 1(n)
(Living Donor Organ Transplant)) and all expenses directly or indirectly related to organ
transplantation (except as provided for and defined under SECTION III-COVERED BENEFITS,
1(e) (Surgical Benefits for Major Organ Transplant) and 2(c) (Major Organ Transplant – Approved
immunosuppressant drugs).
12. a) Treatment for self-inflicted Injury, suicide, abuse of alcohol, drug addiction or abuse.
b) Psychological, emotional or mental problems or conditions (except as provided for and defined
under SECTION III-COVERED BENEFITS, 3(b) (In-Hospital Psychiatric Treatment)).
13. Experimental or pioneering medical, surgical techniques or clinical trial for drugs or medical device
not approved by Ministry of Health which the Insured Person chooses to receive even though
treatment usually and customarily provided for the medical condition concerned is available.
14. Second opinions in respect of medical conditions which have already been diagnosed and/or
treated at the date such second opinions are obtained unless considered by Our medical advisers
to be reasonable and necessary having regard to the medical facts and circumstances.
15. Injury and/or Illness arising out of or in connection with any illegal act including resultant
imprisonment.
16. Injury and/or Illness arising directly or indirectly out of or in connection with
engagement/involvement in any sports in a professional or competitive pursuit on a full-time, part
–time, contractual and/or ad hoc basis other than those undertaken in leisure or as a hobby.
17. Costs arising out of any litigation or dispute between the Insured Person and any medical person or
establishment from whom treatment has been sought or given, or any other costs not directly and
specifically related to the payment of the medical expenses covered by the Policy.
18. Any loss or damage, cost or expense of whatever nature directly or indirectly caused by, resulting
from or in connection with any of the following even though some other cause or event may
contribute at the same time or in any other sequence to the loss:
(a) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear
waste from the combustion of nuclear fuel;
(b) the radioactive, toxic, explosive or other hazardous or contaminating properties of any
nuclear installation, reactor or other nuclear assembly or nuclear component; or
(c) any weapon of wars employing atomic or nuclear fission and/or fusion or other like reaction
of radioactive force or matter.
19. Death, disability, loss, damage, destruction, any legal liabilities, cost or expense including
consequential loss of every type which is, directly or indirectly caused by, resulting from or in
connection with any of the following even though some other cause or event may contribute at the
same time or in any other sequence to the loss:
(a) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war is
declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the
proportions of or amounting to an uprising, military or usurped power; or
H12.01 20 01/03/2013

21. (b) any act of terrorism including but not limited to
(i) the use or threat of force, violence;
(ii) harm or damage to life or to property (or the threat of such harm or damage) including,
but not limited to, nuclear radiation and/or contamination by chemical and/or biological
agents or by any person(s) or group(s) of persons, committed for political, religious,
ideological or similar purposes, express or otherwise, and/or to put the public or any
section of the public in fear; or
(iii) any action taken in controlling, preventing, suppressing or in any way relating to (a) or
(b) above.
20. Sexually transmitted diseases and any treatment or test in connection with Human
Immunodeficiency Virus (HIV) Infection and all HIV infection-related conditions or diseases, except
(a) HIV infection acquired through blood transfusion in Singapore or
(b) HIV acquired while performing regular professional duties in a medical profession in
Singapore.
Policy Owners’ Protection Scheme
This Policy is protected under the Policy Owners’ Protection Scheme, and is administered by the
Singapore Deposit Insurance Corporation (SDIC). Coverage for Your Policy is automatic and no
further action is required from You. For more information on the types of benefits that are covered
under the scheme as well as the limits of coverage, where applicable, please contact Us or visit the
LIA or SDIC web-sites (www.lia.org.sg or www.sdic.org.sg).
IMPORTANT:
The Insured is requested to read this Policy. If any error or mis-description is found,
the Policy should be returned to the issuing office for correction.
H12.01 21 01/03/2013

22. Benefits Schedule in SG Dollars
MyShield
Plan 1 Plan 2 Plan 3 1
Any Government/ B1 Government/
Hospital Ward Type Any A1 Private Ward
Restructured Ward Restructured Ward
A. Hospital and Related Services
Daily Room & Board
Intensive Care Unit
Hospital Miscellaneous Services (including surgical implants and approved medical consumables)
Surgical benefits (including Radiosurgery 2 & day surgery)
Surgical Benefits for Major Organ Transplant (including cost of procuring organs from cadaveric donor)
Accidental Inpatient Dental Treatment (within 14 days following Accident)
Daily In-Hospital Doctor’s Visit As Charged
Pre-Hospital Specialist’s Consultation (within 90 days prior to admission) and Accident and Emergency (A&E)
Treatment (within 24 hours prior to admission)
Pre-Hospital Diagnostic and Laboratory Services (within 90 days prior to admission)
Post-Hospital Follow-Up Treatment (within 90 days after discharge)
Confinement in Community Hospital (up to 45 days per Policy Year)
Inpatient Congenital Anomalies (after waiting period of 24 months)
Inpatient Congenital Anomalies excluding Surgical Benefits (first diagnosed within waiting period of 24 months). - Up to S$450 per day; or - Up to S$450 per day; or - Up to S$450 per day; or
Surgical fees are not payable. - Up to S$900 per day for - Up to S$900 per day for - Up to S$900 per day for
Intensive Care Unit Intensive Care Unit Intensive Care Unit
Inpatient Pregnancy Complications (after waiting period of 10 months) As Charged
Living Donor Organ Transplant (per lifetime) (after waiting period of 24 months) S$50,000 S$30,000 S$20,000
B. Outpatient Catastrophic Treatments
Outpatient Kidney Dialysis (including Erythropoietin drug as part of the treatment for chronic renal failure)
Outpatient Cancer Treatment: Radiotherapy/ Chemotherapy/ Immunotherapy As Charged
Major Organ Transplant – Approved Immunosuppressant Drugs (including Cyclosporin and Tacrolimus)
3
C. Final Expenses Benefit S$1,000
D. Special Benefits
Extra Inpatient Coverage for Heart Attack, Major Cancer, Stroke, End Stage Lung Disease and End Stage Liver S$150,000 S$100,000 S$50,000
Disease (per Policy Year)
S$100 per day up to 35
Inpatient Psychiatric Treatment (after 10 months of continuous coverage) (per Policy Year) As charged up to 60 days As charged up to 45 days day
S$100 per day up to 35 $100 per day up to 35 S$100 per day up to 35
Inpatient Psychiatric Treatment (within 10 months of continuous coverage) (per Policy Year) days days days
Free Coverage for Child(ren) (under Plan 2 up to 20 years old at age next birthday provided both parents take
up either Plan 1 or 2) Yes Yes N.A.
Inpatient Medical Complaint outside Singapore As charged (pegged to
As charged (pegged to As charged (pegged to
costs of B1 ward of
costs of Singapore costs of Singapore Singapore Restructured
Private Hospitals) Restructured Hospitals)
Hospitals)
E. Pro-ration Factor
4
Selected Private Hospitals * / Medical Institutions and Hospitals outside Singapore N.A. 50% 35% 5
5
Restructured Hospitals – Class A N.A. N.A. 85%
6
Unsubsidised wards in Community Hospitals N.A. N.A. 85%
4 5
Other private Hospitals in Singapore 80% 40% 28%
7
F. Annual Deductible for Insured Persons 80 years and below age next birthday
Inpatient
C Class Ward S$1,500 S$1,500 S$1,500
B2 Class Ward S$2,000 S$2,000 S$2,000
B1 Class Ward S$2,500 S$2,500 S$2,500
A1 Class Ward/ Private Hospital and Hospital outside Singapore S$3,500 S$3,500 S$3,500
Day Surgery S$3,000 S$3,000 S$2,000
10%
G. Co-Insurance (applicable to claimable amount after deductible) Maximum of S$25,500 per Policy Year
H. Maximum Claim Limits
Policy Year Limit S$650,000 S$400,000 S$150,000
Lifetime Limit Unlimited Unlimited Unlimited
I. Age Limits (Age Next Birthday)
Last Entry Age 75 years old 75 years old 75 years old
Maximum Coverage Age Lifetime Lifetime Lifetime
1. For Singapore Citizens only.
2. Radiosurgery includes Gamma Knife and Novalis Treatment which can be performed as an Inpatient or day surgery procedure. The applicable Annual Deductible and Pro-ration Factor
for Radiosurgery will depend on its classification as an Inpatient or day surgery procedure.
3. Final Expenses Benefit is a waiver of Annual Deductible and Co-Insurance amounts, up to the limits stated, upon death occurring during hospitalization or within 30 days of discharge of
the hospitalization and provided death occurs as a result of the cause of the hospitalization.
4. Pro-ration Factor is applied to reduce overseas/ higher class wards/ private hospital bills to Singapore Restructured Hospital equivalent in the claims computation of Plan 2. This is not
applicable to expenses incurred for Outpatient Catastrophic Treatments and day surgery at a Singapore Restructured Hospital and for Outpatient Catastrophic Treatments at a
subsidized dialysis or cancer centre in Singapore.
5. Pro-ration Factor is applied to reduce overseas/ higher class wards/ private hospital bills to B1 Restructured Hospital equivalent in the claims computation of Plan 3. This is not applicable
to expenses incurred for Outpatient Catastrophic Treatments and day surgery at a Singapore B1 Restructured Hospital and for Outpatient Catastrophic Treatments at a subsidised
dialysis or cancer centre in Singapore.
6. Pro-ration Factor is applied to reduce the unsubsidised hospital charges to equivalent subsidised charges in a Community Hospital.
7. Annual Deductible will be increased by 50% for any Insured Person above 80 years old at age next birthday.
* Selected Private Hospitals shall mean Parkway East Hospital, Gleneagles Hospital, Mount Alvernia Hospital, Mount Elizabeth Hospital, Raffles Hospital and Thomson Medical Centre. For
other private Hospitals not listed under Private Hospital, a pro-ration factor shall apply.
H12.01 22 01/03/2013